Home Loan Rates

Check Out Our Home Loan Rates – Let’s Find the Perfect Fit for You!

Build with CSB

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1.50% OFF

INTEREST RATE

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$1,000 OFF CLOSING COSTS

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Offer Expires
June 30, 2025

Rate reduction applies during construction period only. Closing cost discount applied as a lender credit. 


Construction Loan Special Terms:

$1,000 off closing costs provided as a lender credit. The 1.50% interest rate discount applies exclusively to the first 9-month construction phase and does not extend beyond this period. The interest rate discount period begins at loan origination. Upon conversion to permanent financing, the loan will revert to the standard interest rate. The standard construction term is 9 months unless extended with CSB's prior express authorization, the 1.50% interest rate discount does not extend. Offer available on first mortgage single family construction, owner occupied residential loans up to 90% LTV. Interest accrues on drawn funds during construction. Normal construction fees apply. All loans subject to CSB underwriting guidelines. Rates, program terms and conditions are subject to change without notice. Offer expires June 30, 2025. 

Maximum loan amount of $806,500. Rates, terms, and conditions apply to applications received by May 12, 2025 and closed no later than June 26, 2025. 

Terms Interest Rate Annual Percentage Rate (APR)1 Points2 Monthly Payment
30 Year Fixed Rate 6.625% 6.712% 0 $1,280.62
20 Year Fixed Rate 6.875% 6.990% 0 $1,535.63
15 Year Fixed Rate 6.250% 6.391% 0 $1,714.84
 
The payment example assumes 80% loan-to-value and a $200,000 loan amount amortized at the stated interest rate over the respective term. Taxes and insurance not included. Your payment obligation will be higher. PMI (Private Mortgage Insurance) may be required for loans with LTV in excess of 80%. Other customary closing costs apply.
1. APR includes prepaid finance charges of $1,777 (with additional points if indicated).
2. Points are equivalent to a certain percentage of your loan amount. One point equals one percent of your loan. 

Rates, terms, and conditions apply to applications received by May 13, 2025. Rates shown are for applicants with a credit score of at least 720 and loan-to-value of 80% with a 120-month term. Applicants with lower credit scores may have different terms available. The minimum payment will result in a balloon payment at maturity.

Loan Amount Annual Percentage Rate (APR)1 Floor
$10,000 - $19,999.99 8.50% 4.25%
$20,000 - $49,999.99 8.00% 3.75%
$50,000+ 7.75% 3.50%

1. The APR will not be less than the floor with a maximum of 18% over the lifetime of the loan. The rate is variable and subject to change after consummation. The variable interest rate is tied to the Prime Rate, meaning it may change as the Prime Rate fluctuates. 

The minimum loan amount is $10,000. A $75.00 annual fee will be assessed beginning with the first cycle date after closing and annually thereafter. If paid off and closed within the first three (3) years, you are subject to a pre-payment penalty of 1% of the original line amount up to a maximum of $500. Appraisal and underwriting restrictions apply. Home Equity Lines with other loan-to-value limits are available.

Rates, terms, and conditions apply to applications received by May 13, 2025. Rates shown are for applicants with a credit score of at least 780. Applicants with lower credit scores may have different terms available.

Term Interest Rate Annual Percentage Rate (APR)1 Monthly Payment
5 Year Term 7.500% 8.053% $500.95
10 Year Term
 7.625% 7.924% $298.39
The payment example assumes 80% loan-to-value and a $25,000 loan amount amortized at the stated fixed interest rate over the respective term. Home Equity Loans with other loan-to-value limits are available.
1. APR includes prepaid finance charges of $325. Total closing costs are $999. Title insurance must be purchased on loans above $250,000 at an additional cost.

Rates, terms, and conditions apply to applications received by May 13, 2025. Purchase loans must be for consumer purpose and secured with vacant land. Rates shown are for applicants with credit scores greater than or equal to 780. Applicants with lower credit scores may have different terms available. A down payment may be required to meet the maximum loan to value of 80%. 

Terms Interest Rate Annual Percentage Rate (APR)1 Points2 Monthly Payment
36 Months with Balloon 7.50% 8.134% 0 $644.47

The payment example assumes 80% loan-to-value and a $80,000 loan amount amortized at the stated interest rate over 20 years. The loan will mature after 36 months, and the remaining balance will be due. For this example, a balloon payment of $74,832.23 will be due after 36 months. Taxes and insurance are not included; your payment obligation may be higher.

1. APR for a $80,000 loan amortized at the stated simple interest rate over the maximum term. APR includes prepaid finance charges of $1,302 (with additional points where indicated). Other customary closing costs apply.

2. Points are equivalent to a certain percentage of your loan amount. One point equals one percent of your loan.





Adjustable-rate mortgage options available. Contact a Mortgage Lender for details. 
 



































additional Terms for home loans:

We reserve the right to change rates, terms, and conditions without notice. Subject to credit approval.  Loans must be secured with a 1-4 family, owner-occupied dwelling. Proof of hazard insurance is required at closing. Applicants are eligible for a 0.25% rate reduction if the loan payment is set up on automatic deduction from a CSB deposit account. Rate reduction does not apply to fixed rate mortgages. 

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